论金融消费者的替代性纠纷解决机制

后危机时代金融消费者保护的重要性突显，如何为金融消费者提供灵活多元的救济途径是理论界和学术界关注的热点。发达资本主义国家早对金融消费者替代性纠纷处理机制进行了探索，形成了许多有益经验，相比之下，我国金融消费者纠纷处理机制单一，缺乏灵活性和实效性。在金融市场的迅速发展的背景下，我国有必要借鉴他国经验，将金融消费者保护作为金融监管的首要基础价值，建立统一的金融纠纷处理中心，整合现有的资源，制定严格和完善的纠纷解决程序，实现保护金融消费者的监管目标。

Alternative Dispute Resolution Mechanism of Financial Consumers

The protection of financial consumers is more important in post--crisis era. How to provide the flexible and diverse relief approach for financial consumers is a focus that is concerned by theoretical and academic circles. Developed capitalist countries have explored the alternative dispute resolution mechanism of financial consumers, and have obtained a lot of useful experience. In contrast, our country＇s alternative dispute resolution mechanism is single, and lack of flexibility and effectiveness. In the modern time, financial market rapidly develops, so it is necessary to learn from other countries~ experience, take the protection of financial consumers as the primary basis value of financial regulation, establish a unified financial disputes center, integrate the available resources, and develop a rigorous and comprehensive dispute settlement procedures, in order to realize the regulatory goal of protecting financial consumers.